PackageTrendsPeer
Letter portraitLegal landscape

Chambers Bank

Danville, AR · Cert 5615 · Chambers Bancshares Inc.

State charter, Fed member · FED · 25 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chambers Bank

Danville, AR · Cert 5615 · Chambers Bancshares Inc.

State charter, Fed member · FED · 25 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.3BDeposits
$203.7MEquity
Loan mix
83%RE $919.5M16%C&I $177.8M1%Consumer $9.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.1B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

6.12%Q2 ’246.38%Q2 ’255.97%Q2 ’26+7%-6%

Non-interest income vs. expense

2.56%Q2 ’242.60%Q2 ’252.63%Q2 ’26+4%+3%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 1.7% share · #13 of 42 inst. · $0.3B of $20.2B

77.4% Yell
1.6% Benton
1.9% Washington
8.5% Pope

Executive Summary

  • Earnings: ROA of 1.76%, down 34 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.23% of loans (+4 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.57%, down 57 bps from a year ago.
  • Funding: loans stand at 87.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-28 bps YoY

Efficiency Ratio (YTD, annualized)

57.44%+427 bps YoY

Tier 1 Leverage Ratio

12.57%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.10%2.16%2.11%1.87%1.76%-34 bps
Return on Equity16.22%16.55%16.18%14.56%13.73%-249 bps
Net Interest Margin4.27%4.28%4.15%4.02%4.00%-28 bps
Efficiency Ratio53.17%53.39%55.35%55.29%57.44%+427 bps
Non-Interest Burden2.03%2.05%2.08%2.00%2.09%+5 bps
Growth
Asset Growth (YoY)7.00%4.73%8.50%11.07%12.22%+522 bps
Loan Growth (YoY)4.14%6.75%8.28%6.75%8.21%+407 bps
Deposit Growth (YoY)6.85%6.31%8.07%10.89%14.22%+737 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.21%0.26%0.24%0.23%+4 bps
Net Charge-Offs / Loans-0.06%-0.04%-0.03%0.06%0.02%+7 bps
Allowance / Loans1.22%1.21%1.13%1.13%1.09%-13 bps
Allowance Coverage of NPLs6.4x5.6x4.4x4.7x4.8x-1.6x
Capital
Tier 1 Leverage Ratio13.14%13.33%13.17%12.47%12.57%-57 bps
Total Risk-Based Capital16.31%16.32%16.39%16.64%16.57%+26 bps
Equity / Assets13.24%13.30%13.08%12.60%12.83%-41 bps
Liquidity & Funding
Loans / Deposits92.49%91.11%89.72%84.71%87.63%-487 bps
Liquid Assets / Assets0.14%0.15%0.17%1.77%0.13%-1 bps
CRE / Total Capitaln/a379%370%358%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chambers Bank

Danville, AR · Cert 5615 · Peer group: banks $1B-$10B in assets (n=322-328) · Chambers Bancshares Inc.

State charter, Fed member · FED · 25 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.3BDeposits
$203.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets (rank 51 of 328).
  • Widest gap: efficiency ratio trails 44% of banks $1B-$10B in assets (rank 145 of 328).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.73%

Rank 51 of 328

Net Interest Margin

4.00%

Rank 58 of 328

Efficiency Ratio

58.09%

Rank 145 of 328

Equity / Assets

12.83%

Rank 57 of 328

Non-interest income vs. expense

$8.5M$41.5MINCOMEEXPENSE
Unfavorable gap of $33.0M · efficiency ratio beats 56% of banks $1B-$10B in assets
Bank 58.09%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.91%1.22%1.52%Beats 84%51 / 328
Return on Equity13.52%8.43%11.45%14.43%Beats 68%104 / 328
Net Interest Margin4.00%3.03%3.45%3.83%Beats 82%58 / 328
Efficiency Ratio58.09%51.61%59.56%67.53%Beats 56%145 / 328
Asset Quality
Nonperforming Loans / Loans0.23%0.24%0.51%1.03%Beats 76%79 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 60%130 / 322
Capital
Tier 1 Capital Ratio15.47%11.75%13.15%15.47%Beats 75%82 / 328
Total Risk-Based Capital Ratio16.57%12.63%14.15%16.46%Beats 77%76 / 328
Equity / Assets12.83%9.15%10.33%12.01%Beats 83%57 / 328
Liquidity & Funding
Loans / Deposits87.63%76.63%87.92%95.36%50th pctl163 / 323
Loans / Assets73.14%65.18%74.15%79.98%45th pctl179 / 328
Brokered Deposits / Depositsn/aNot reported for this institution